CN105378776A

CN105378776A - Methods and systems for providing payment credentials

Info

Publication number: CN105378776A
Application number: CN201480023279.3A
Authority: CN
Inventors: 科尼利厄斯·约翰内斯·巴登霍斯特
Original assignee: Visa International Service Association
Current assignee: Visa International Service Association
Priority date: 2013-02-26
Filing date: 2014-02-26
Publication date: 2016-03-02
Also published as: AU2014222351A1; CA2900605C; WO2014132194A3; WO2014132194A2; AU2014222351B2; JP6101366B2; US20150363781A1; CA2900605A1; BR112015020007A2; JP2016514300A

Abstract

The invention provides systems and methods for providing payment credentials usable in a transaction. In method conducted at a token processor, the token processor receives a request for single-use payment credentials from a communication device of a consumer. In response, the token processor obtains or generates single-use payment credentials and obtains or generates a loyalty identifier which is uniquely associated with the consumer. The token processor then transmits the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device. In some embodiments, the loyalty identifier is the same for all requests by the consumer for single-use payment credentials, such that the loyalty identifier is usable by a merchant in updating a record of the consumer.

Description

For providing the method and system of evidence for payment

Background technology

Businessman can utilize the reward mechanism of such as reward on total mark plan to carry out encourage consumer and arrive their site shopping constantly.For example, endorsed the consumer of reward on total mark plan with businessman when all loyalty credits can be obtained when this businessman does shopping at every turn.These integrations such as can be exchanged into product subsequently or cash returns volume.

These reward mechanisms require all to be identified by B to C when buying at every turn usually.Current for identifying that the method for consumer comprises employing businessman accumulating card.Such method needs consumer to be that multiple accumulating cards carry in each businessman that it has points account, and needs it select when buying product and show suitable accumulating card.Therefore, current method can be made troubles to consumer, and the process of the purchase product that can slow down.

Identify that other method of consumer comprises the evidence for payment of record consumer, the primary account number code (PAN) of such as consumer or derivant.The problem of this method is, evidence for payment data are how and carry out Storage and Processing suffers harsh rule to it under what circumstances, and this makes the evidence for payment data that can not store ideally for identifying consumer.

Businessman expects that means that can be easy to provide to consumer reward voucher equally.

Summary of the invention

According to a first aspect of the invention, provide a kind of for providing the method for the evidence for payment that can use in transaction, described method performs at token (token) processor end, and comprises the following steps:

The request for one-time payment voucher is received from the communication facilities of consumer;

Obtain or generate one-time payment voucher;

Obtain or generate the integration identifier be associated with described consumer uniquely; And

Described one-time payment voucher and described integration identifier are sent to described communication facilities as the combined disposable payment token that can use described communication facilities to show.

Another feature of the present invention proposes, and for all requests proposed for one-time payment voucher by consumer, described integration identifier is identical, so that described integration identifier can be used for the record being upgraded described consumer by businessman.

Another feature extraction of the present invention, for by consumer for for one-time payment voucher all requests that propose that can use at specific merchant, described integration identifier is all identical, so that described integration identifier can be used for the record being upgraded described consumer by specific merchant.

A feature extraction more of the present invention, described record is the record of the transaction that consumer carries out at place of businessman, and described record comprises the details of the product that consumer buys from businessman.

Another feature of the present invention proposes, and the step of the integration identifier that above-mentioned acquisition or generation are associated with consumer uniquely comprises: obtain the integration identifier be included in described request.

A feature extraction more of the present invention, the step of the integration identifier that above-mentioned acquisition or generation are associated with consumer uniquely comprises the following steps: obtain the consumer identifier be included in described request; And, use described consumer identifier to carry out Query Database and also obtain the integration identifier be associated with described consumer identifier.

Another feature extraction of the present invention, above-mentioned step one-time payment voucher and integration identifier being sent to communication facilities as combined disposable payment token comprises the following steps: what become by one-time payment voucher by every group formed as follows with integration identifier code is one or more: response (QR) code fast; Audio stream or close to sound type communication audio stream; Optical character identification code; Near-field communication data stream; Or visible light communication data stream.

Other feature extractions of the present invention, said method comprising the steps of: obtain the coupon information corresponding to one or more reward voucher; And wherein above-mentioned step one-time payment voucher and integration identifier being sent to communication facilities as combined disposable payment token comprises: send described one-time payment voucher, described integration identifier and coupon information to described communication facilities as combined disposable payment token.

According to a second aspect of the invention, provide a kind of for providing the method for the evidence for payment that can use in transaction, described method performs the communication facilities end consumer, and comprises the following steps:

Transmit the request for one-time payment voucher;

Receive one-time payment voucher;

Wherein, described one-time payment voucher and integration identifier are received as the combined disposable payment token that can use described communication facilities to show; Or

Wherein, receive described one-time payment voucher, and combine described one-time payment voucher and integration identifier in this locality to form one-time payment token;

Described one-time payment voucher and described integration identifier are shown to payment accepting device as combined disposable payment token, and wherein said integration identifier is associated with described consumer uniquely.

Another feature of the present invention proposes, and above-mentioned transmission comprises for the step of the request of one-time payment voucher: be included in described request by integration identifier.

Another feature extraction of the present invention, above-mentioned transmission comprises for the step of the request of one-time payment voucher: consumer identifier be included in described request.

A feature extraction more of the present invention, above-mentionedly comprises the step that one-time payment voucher and integration identifier receive as combined disposable payment token: receive described combined disposable payment token from token processor.

Other feature extractions of the present invention, the above-mentioned way at this locality combination one-time payment voucher and integration identifier comprises: receive one-time payment voucher from token processor; Obtain the integration identifier be associated with described consumer uniquely; And, described one-time payment voucher is become combined type one-time payment token with described integration identifier combination.

Another feature of the present invention proposes, and the step of the integration identifier that above-mentioned acquisition is associated with consumer uniquely comprises: obtain integration identifier from the number storage of described communication facilities.

According to a third aspect of the invention we, provide a kind of for providing the method for the evidence for payment that can use in transaction, described method performs to go out at the payment accepting device of businessman, and comprises the following steps:

Received by the one-time payment token that one-time payment voucher and integration identifier show as the communication facilities by consumer, wherein said integration identifier is associated with described consumer uniquely;

Described integration identifier is extracted from described one-time payment token; With

Upgrade the record of the consumer be associated with described integration identifier.

Another feature of the present invention proposes, and described method to comprise described one-time payment token passing to payment processes server to carry out the step of transaction processing.

Another feature extraction of the present invention, described method comprises to be extracted one-time payment voucher from described disposable payment token and sends described one-time payment voucher to payment processes server to carry out the step of transaction processing.

Other feature extractions of the present invention, described record is the record of the transaction that the consumer be associated with described integration identifier carries out at place of businessman, and wherein said record comprises the details of the product that consumer buys from businessman.

According to a forth aspect of the invention, provide that a kind of described system comprises token processor for providing the system of the evidence for payment that can use in transaction, described token processor comprises:

Request receiving parts, for receiving the request for one-time payment voucher from the communication facilities there of consumer;

Evidence for payment parts, for obtaining or generating one-time payment voucher;

Integrating block, for obtaining or generate the integration identifier be associated with described consumer uniquely; With

Transmission part, for transferring to described communication facilities using described one-time payment voucher and described integration identifier as the combined disposable payment token that can use described communication facilities to show.

Another feature of the present invention proposes, described integration identifier is unique number, this uniquely number be all identical for all requests proposed for one-time payment voucher by consumer so that described integration identifier can by businessman for upgrading the record of described consumer.

Another feature extraction of the present invention, described integration identifier is unique number, this uniquely counts for consumer is all identical for all requests that can propose at the one-time payment voucher of specific merchant use, so that described integration identifier can be used for the record upgrading described consumer for specific merchant.

A feature extraction more of the present invention, described system comprises multiple communication facilities, and each communication facilities has: request transmission part, and it is for transmitting the request for one-time payment voucher; Receiving-member, it is for receiving one-time payment voucher and integration identifier as the combined disposable payment token that can use described communication facilities to show; And token shows parts, it is for showing described one-time payment token to payment accepting device.

Another feature of the present invention proposes, and described request transmission part is configured to integration identifier to be included in described request; Further, described integrating block is configured to obtain the described integration identifier comprised in the request.

Another feature extraction of the present invention, described request transmission part is configured to consumer identifier to be included in described request; Further, described integrating block is configured to pass and obtains the consumer identifier that comprises in the request and use described consumer identifier to carry out Query Database to obtain integration identifier, and obtains the integration identifier be associated with described consumer identifier.

Other feature extractions of the present invention, described system comprises multiple payment accepting devices of businessman, and each accepting device has: receiving-member, and it uses payment token for receiving the single shown by communication facilities; Identifier extracting part, it for extracting integration identifier from described one-time payment token; And upgrade parts, it is for upgrading the record be associated with described integration identifier.

Another feature of the present invention proposes, and each payment accepting device also comprises transmission part, its for by described one-time payment token passing to payment processes server to carry out transaction processing.

Another feature extraction of the present invention, each payment accepting device comprises evidence for payment extracting parts, it for extracting one-time payment voucher from described disposable payment token, and for sending described one-time payment voucher to payment processes server to carry out transaction processing.

According to a fifth aspect of the invention, provide a kind of for providing the computer program of the evidence for payment that can use in transaction, described computer program comprises computer-readable medium, described computer-readable medium have stored, for performing the computer readable program code of following steps:

Obtain or generate one-time payment voucher;

Another feature of the present invention proposes, and described computer-readable medium is non-transitory computer-readable medium.

According to a sixth aspect of the invention, provide a kind of disposable token that can use in transaction, described token comprises: one-time payment voucher; And, the integration identifier be associated with corresponding consumer uniquely.

According to a further aspect in the invention, provide a kind of payment and accept system, it comprises:

Multiple mobile communication equipment, wherein each mobile communication equipment is all associated with the consumer of described system, and is configured to ask and receives disposable token;

Service processor, it communicates with described mobile communication equipment, and is configured to each consumer's distribution integral identifier;

Token processor, it communicates with described mobile communication equipment with described service processor, described token processor is configured to: receive integration identifier and the request for disposable token, generate one-time payment voucher, described one-time payment credential token is become disposable token with integration identifier, and gives the mobile communication equipment of described consumer by described disposable alternative space; And,

Payment acceptor, it communicates with token processor with described mobile communication equipment, service processor, and described payment acceptor is configured to accept to be used as the modes of payments with described disposable token.

Other feature extractions of the present invention, described service processor receives reward voucher from product distribution business there, and is sent to by described reward voucher on the mobile communication equipment of selected consumer, thus follow-uply covers in disposable token.

Present invention also offers the payment receiving method of a kind of execution at token processor end, it comprises the following steps:

The request for one-time payment voucher is received from the mobile communication equipment there of consumer; Receive integration identifier; Generate one-time payment voucher; Described one-time payment voucher is become disposable token with integration identifier; Further, by described disposable alternative space on the mobile communication equipment of consumer, to show to the payment acceptor of businessman.

The present invention extends to a kind of payment receiving method of the transaction for completing place of businessman, and comprising: show disposable token to businessman, described disposable token comprises one-time payment voucher and static integration identifier; Scan described disposable token to extract described single use evidence for payment and static integration identifier; Consumer is identified by static integration identifier; Document based on identified consumer applies to reward; And use described one-time payment voucher to process transaction.

Other feature extractions of the present invention, described disposable token is two-dimensional bar, and described two-dimensional bar is quick response (QR) code, and described one-time payment voucher and static integration identifier are stored in the precalculated position of QR code.

Other feature extractions of the present invention, QR code comprises human-readable part, and described human-readable part is title or logo.

Other feature extractions of the present invention, described disposable token comprises one or more reward voucher.

Accompanying drawing explanation

Figure 1A shows the block scheme of the disposable token according to the embodiment of the present invention;

Figure 1B illustrates the display exemplary disposable token on a mobile communications device according to the embodiment of the present invention;

Fig. 2 shows the system for identifying consumer in a retail environment according to the embodiment of the present invention;

Fig. 3 shows the block diagram of the party concerned participated in each embodiment of the present invention;

Fig. 4 shows the step substep schematic diagram according to the embodiment of the present invention;

Fig. 5 shows the step substep schematic diagram according to the method for the embodiment of the present invention;

Fig. 6 show according to the embodiment of the present invention for being provided in transaction time the schematic diagram of the system of evidence for payment that uses;

Fig. 7 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the token processor of evidence for payment that uses;

Fig. 8 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the communication facilities of evidence for payment that uses;

Fig. 9 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the payment accepting device of evidence for payment that uses;

Figure 10 show according to the embodiment of the present invention for being provided in transaction time the exemplary use of the system of evidence for payment that uses in the swimming lane formula process flow diagram of prediction scheme;

The swimming lane formula process flow diagram of prediction scheme in the exemplary use of the system of the evidence for payment that Figure 11 uses when showing according to another embodiment of the present invention for being provided in transaction;

Figure 12 shows the example of the computing equipment that can realize various aspects of the present invention; And,

Figure 13 shows the block diagram of the communication facilities that can use in embodiments of the present invention.

Embodiment

The disposable token that embodiments of the invention are intended to contain evidence for payment and static consumer's integration identifier by providing package simplifies reward on total mark mechanism.Embodiments of the invention additionally can expand to and coupon information be covered in disposable token.In the description, consumer can be any user, client, consumer etc. of businessman.

One-time payment voucher can be supplied to the consumer of system by token-vendor, for the object completing payment in a retail environment.Because these evidences for payment are only effectively disposable, therefore not necessarily most important to the protection of evidence for payment.Such as, point of sale (POS) terminal of businessman may meet payment card industry (PCI) standard for protecting evidence for payment.Evidence for payment can be sent on the mobile communication equipment of consumer with the form of disposable token by token-vendor.Token can be such as 2 micro bar codes, optical character identification (OCR) code or the data treating to be transmitted from mobile communication equipment by near-field communication (NFC).Evidence for payment can comprise the information such as such as bank's identification number (BIN), main account number (PAN), card verification value (CVV), due date, holder name or service code, and at least some of these information is only effectively disposable.After receiving disposable token, user can be shown to businessman to complete payment.Have the multiple mode realizing one-time payment voucher, wherein a kind of method is learnt according to the disclosure of the people such as Sankolli in U.S. Patent Publication No. US2011/0238473.Certainly, describe other method of one-time payment voucher in other documents equally, should be understood that, the present invention does not rely on the embodiment of any specific one-time payment voucher, on the contrary, its intention uses in combination with the embodiment of multiple one-time payment voucher.Therefore, the method for realizing one-time payment voucher will be repeated no more herein.

Disposable token (100) extension provided by the invention comprises consumer's integration identifier (104) and optional coupon information (106).Figure 1A shows the block diagram of so disposable token (100), and it comprises one-time payment voucher (102), consumer's integration identifier (104) and coupon information (106).

Integration identifier (104) is issued to consumer by service provider.Described consumer is by registering to obtain integration identifier with service provider.By comprising integration identifier at disposable token (100), consumer " can recognize " when buying at every turn in businessman.Integration identifier can show acquisition in disposable token (100) by businessman from consumer to the businessman production payment.This allows businessman to reward the consumer of system with integration, and does not need to show independent accumulating card.Multiple businessman all can use identical integration identifier same consumer to be associated to the reward on total mark plan of each corresponding businessman.

Disposable token also can comprise coupon information (106).Such as, product distribution business may wish that excitation consumer buys specific product, and can by issuing reward voucher to realize to consumer.It is all effective for being used for by reward voucher buying specific products from any amount of cooperation shops.Reward voucher can be sent to consumer for using in the future.When sell from token dealer consult and request ask disposable token time, user can require coupon information to be included in disposable token.By showing disposable token to businessman to pay product, consumer can exchange any relevant reward voucher too.

The disposable token (100) that the embodiment of the present invention provides is the expression of visual, sound or the electromagnetism of the information be coded in wherein.Such as, disposable token (100) can be two-dimensional bar, such as, respond (QR) code, optical character identification code, audio stream or approximate audio communication audio stream, near-field communication data stream fast, or visible light communication data stream.

The disposable token (100) that embodiment provides is visible light communication data stream, and can correspondingly regulation evidence for payment should by light space, time or frequency modulation (PFM) encode and transmit.Light can be such as from treating that the pixel paid mobile communication equipment display that acceptor (such as the camera of businessman's mobile communication equipment) catches by businessman sends.

Figure 1B shows the preferred embodiment of the present invention that disposable token is QR code (110), and wherein this QR code is presented on the display (122) of mobile communication equipment (120).One-time payment voucher (102), consumer's integration identifier (104) and coupon information (106) can be comprised according to the QR code (110) of the embodiment of the present invention.Except above-mentioned information, QR code (110) can comprise human readable information (112), and it can be such as title or logo, the issuing bank etc. of service provider.

Fig. 2 shows the system according to the embodiment of the present invention.The figure shows mobile communication equipment (202), it is associated with consumer (200) and is configured to ask and receives disposable token (100).Also show service processor (204) in Fig. 2, it communicates with mobile communication equipment (202) and is configured to each consumer's distribution integral identifier (104).Integration identifier can be stored in the number storage of mobile communication equipment.The figure shows the token processor (206) communicated with mobile communication equipment (202) with service processor (204).Token processor is configured to receive integration identifier (104) and the request for disposable token (100).In response to receiving such request, token processor is configured to as particular consumer (200) generates one-time payment voucher (102), and one-time payment voucher (102) and integration identifier (104) is encapsulated in disposable token (100).Then, token processor is configured to the mobile communication equipment (202) disposable token (100) being delivered to consumer (200).Also shown is the payment acceptor (208) of businessman, it communicates with token processor (206) with mobile communication equipment (202), service processor (204).Payment acceptor (208) is configured to accept one-time payment token (100) as method of payment, and uses the information be contained in this payment token to carry out processing and complete a payment information.Payment acceptor (208) can also extract integration identifier (104) from token (100), to identify consumer (200) and he or she to be associated with the consumer's document be stored in customer database (210).

Each entity that Fig. 3 shows system and the block diagram of parts be associated with each entity.In illustrative examples, entity comprises consumer (200), businessman (212), service provider (216), token-vendor (218), publisher (214) and possible product distribution business or manufacturer (220).Certainly, should be realized that, in the practical embodiments of such system, every of these entities can exist one or more.

Service provider (216) safeguards service processor (204), and described service processor is configured to consumer (200) the distribution integral identifier (104) when consumer registers to service provider (216) to system.

Each consumer (200) of system has the mobile communication equipment (202) of oneself, this mobile communication equipment can be configured to request one-time payment voucher (102), and also can be used for showing this one-time payment voucher (102) to complete transaction to businessman, wherein one-time payment voucher can be encapsulated in disposable token (100).Mobile communication equipment (202) also can have integration identifier (104) associated with it and stored therein.

Token-vendor (218) can be safeguarded token processor (206), and this token processor is configured to generate one-time payment voucher (102) and be encapsulated in disposable token (100) by these evidences for payment (102).Disposable token (100) can be passed to the mobile communication equipment of consumer (200), (202) to show to the payment acceptor of businessman (212) (208), for completing transaction object.In this way, product or kinds of goods can be bought from businessman.Embodiments of the invention also propose, token processor (206) receives integration identifier (104), and is included in disposable token (100) together with one-time payment voucher (102) by integration identifier (104).Token processor also can comprise coupon information (106) in disposable token (100).

Publisher (214) shown in the figure is the publisher of consumer (200), and can be such as financial institution, bank, mobile payment banking institution etc.The embodiment of the present invention proposes, publisher (214), service provider (216) and token-vendor (218) are parts for identical entity, in this example, such as token processor (206) and service processor (204) function can by common processor share.

Product distribution business or manufacturer (220) also can be the entities of this system.Retail trader or manufacturer (220) may need the specific products encouraging consumer to buy.This can have been come by distribution reward voucher.Embodiments of the invention propose, retail trader or manufacturer (220) instruction service provider (216) to consumer's distribution of system (200) for the reward voucher of specific products.When carrying out like this, the coupon information (106) that retail trader or the manufacturer (220) from product can receive by service processor (204) is passed to the mobile communication equipment (202) of consumer (200).Then, this reward voucher is exchanged in consumer (200) instruction, therefore ask one-time payment token (100) in response to consumer (200), coupon information (106) can be included in disposable token (100) together with one-time payment voucher (102) and integration identifier (104) by token processor (206).

The businessman (212) of system can have payment acceptor (208) and customer database (210).Payment acceptor (208) can be configured to and receives disposable token (100) as payer side, and extracts integration identifier (104) or coupon information (106) when showing.Then, customer database (210) receives integration identifier (104) from payment acceptor (208), and uses it for the consumer (200) making to carry out paying and be associated with the customer files be stored in customer database (210).When carrying out like this, customer files can be cashed into point etc. by businessman.

Below, in using the exemplary system under retail environment with reference to Fig. 4, prediction scheme is described.In first step initialization step (1), consumer (200) and service provider (216) register, and receive static integration identifier (104).Consumer have subscribed the service of token-vendor (218), and namely he or she can carry out asking from token-vendor (218) and utilizing one-time payment voucher (102) to carry out transaction object.

In allocation step (2), on certain follow-up time point, retail trader (220) is to service provider (216) distribution reward voucher.Retail trader (220) can indicate service provider to issue reward voucher to such as having the consumer specifically paying history or frequently patronize some shop.In next step (3), service provider (216) can distribute reward voucher to the relevant customer of system (200).This distribution can be the form of SMS, Email or other electronic communications including the coupon information (106) from service processor (216) to consumer's mobile communication equipment (202).In next step (4), consumer (200) can determine to store the reward voucher received, and then coupon information (106) is stored in the number storage of mobile communication equipment (202) in order to follow-up use.Alternatively, reward voucher can be distributed the printed medium of such as magazine or newspaper, to make consumer can from catching (such as with service provider (216), by mobile communication equipment (202) scanning QR or OCR code), deposit caught reward voucher, and caught reward voucher is stored in the number storage of mobile communication equipment (202), in order to follow-up use.

Subsequent step can be worked as consumer (200) and be wished in a retail environment to perform when buying at every turn.Buy in step (5) in the first step, wish that the consumer (200) of payment for merchandise asks disposable token (100) from token-vendor (218).When carrying out like this, consumer (200) token-vendor (218) can be indicated to wish exchanging this consumer has been stored at least one reward voucher in the number storage of his or her mobile communication equipment (202).Hold in token-vendor (218) in the next step (6) carried out, token processor (206) then generates one-time payment voucher (102) and is encapsulated in disposable token (100) together with the integration identifier (104) of consumer and relevant coupon information (106) by these evidences for payment (102).Token-vendor (218) can receive integration identifier (104) and coupon information (106) from consumer (200) there, or token-vendor (218) can ask this information to service provider (216).Then, in step (7) subsequently, the disposable token (100) containing evidence for payment (102), integration identifier (104) and coupon information (106) is delivered on the mobile communication equipment (202) of consumer (200).

After receiving this disposable token (100), in next step (8), disposable token (100) shows to using payment acceptor (208) receive and process the businessman (212) of disposable token (100), to complete transaction by consumer (200).Payment acceptor (208) such as can extract evidence for payment (102), integration identifier (104) and coupon information (106).Payment processes according to the method specified for one-time payment voucher, thus complete transaction.In addition, payment acceptor (208) uses integration identifier (104) consumer (200) to be associated with the customer files be stored in customer database (210), and subsequently according to retailer's reward on total mark plan, to consumer's bonus points, and this point is associated with the customer files of consumer.In addition, payment acceptor (208) can to coupon information (106) with the product to be bought in current transaction by consumer to carrying out cross-check, be the product relevant to exchanged reward voucher with what guarantee to buy.Then, payment acceptor (208) can indicate the service processor (204) of service provider (216): reward voucher is exchanged by consumer (200).Then, in last step (10), service provider (216) knows the exchange of reward voucher, and provides award according to the instruction of retail trader (220) to consumer (200).Award can be such as cash reimbursement.

In another embodiment of the invention, disposable token can be the value code not comprising evidence for payment, integration identifier or coupon information.In the present embodiment, consumer is to the disposable token of token-vendor request.Token-vendor provides numerical value formula disposable token for consumer, and correspondingly provides one-time payment voucher and integration identifier to service provider.When paying product in a retail environment, consumer shows the disposable token of this numerical value formula to businessman.Then, the value code be included in the disposable token of numerical value formula is supplied to service provider by businessman.Service provider reacts, and provides evidence for payment and integration identifier, and optionally provide coupon information to businessman.Then, businessman can utilize the evidence for payment received from service provider to terminate purchase, also correspondingly can charge to the points account of consumer.

The embodiment of the present invention proposes the method for having held transaction in businessman, is described below with reference to Fig. 5.The method provides the mobile communication equipment of consumer, such as, and the mobile phone (520) of consumer and merchant payment receptacle, and in this example, merchant payment receptacle can be the mobile phone (530) of businessman.Therefore, the consumer buying product in a retail environment can adopt the following steps of the method to complete transaction.

In first step (502), consumer with his or her mobile phone (520) from its issuer request one-time payment token.In the present embodiment, the publisher of consumer there is provided operator of mobile banking that publisher (214) serves, service provider (216) and according to token-vendor (218) mentioned above.In response to the request of consumer, the associative processor of publisher generates one-time payment voucher (102), such as, comprise disposable primary account number (PAN), static bank identification number (BIN), due date (be such as requirement evidence for payment place on the same day).Relevant processor can comprise service processor (204) and token processor (206).Then, the copy of these one-time payment vouchers (102) is stored in the database be such as associated with the accounts of finance of consumer by the relevant processor of publisher.Then, these one-time payment vouchers (102) and the integration identifier (104) of having distributed to this consumer are encapsulated in disposable token (this disposable token is QR code (540) in this example) by relevant processor, and QR code (540) are passed to the mobile phone (520) of consumer.

In next step (504), the mobile phone (520) of consumer receives QR code (540) and is presented on the display (524) of mobile phone (520) in visual mode.Then, his or her mobile phone (520) shows to businessman by consumer, in following step (506), this businessman catch with the camera (530) of the mobile phone of businessman be presented at consumer's mobile phone (520) display (524) on QR code (540).The mobile phone (530) of businessman is decoded to QR code (540), to extract one-time payment voucher (102) and integration identifier (104).

In following step (508), the mobile phone (530) of businessman uses the one-time payment voucher (102) extracted process and complete transaction.In next step (510), the mobile phone (530) of businessman also uses the integration identifier (104) extracted, this consumer to be associated with the customer files in the database on the server computer that is stored in and safeguarded by businessman.After use integration identifier (104) identifies consumer, businessman subsequently can according to bought product, dealing money etc. to consumer's distribution integral point.Similarly, businessman can preserve the record of the product that individual consumer buys, the average outgo etc. of individual consumer.

Can to be adopted equally in the step that businessman implements by consumer in above-mentioned example and locate in another businessman, wherein this another businessman uses identical integration identifier (104) consumer to be associated with the customer files of this another businessman's reward on total mark plan.

Embodiment above also proposes, and is provided the function provided by service provider, token-vendor and publisher by identical entity.Such as, publisher can provide one-time payment voucher in response to the request of consumer, thus additionally provides the service of token-vendor.Publisher also can provide integration identifier along with one-time payment voucher together, does the service additionally providing service provider like this.In the present embodiment, the mobile communication equipment of consumer only needs to communicate with the payment acceptor of publisher's token with service processor and businessman.

Alternatively, service processor can be mobile banking's general processor, and token processor can be safeguarded by mobile banking's platform.

The embodiment of the present invention proposes, and service processor can be the server computer communicated with token processor, mobile communication equipment and payment acceptor.Service processor can be configured to from the request of mobile communication equipment reception to integration identifier.In response to this request, service processor can be configured to and divides identifier for consumer's formation product corresponding with that mobile communication equipment therefrom sending request.Service processor can be configured to and this integration identifier is passed to mobile communication equipment and stored in a database.In addition, service processor can be configured to, and in response to the request being derived from token processor, mobile communication equipment or payment acceptor, provides the integration identifier of consumer to token processor, mobile communication equipment or payment acceptor.

In addition, service processor also can be configured to receive reward voucher from product distribution business or manufacturer, and by these coupon distribution to the consumer of system.The consumer that service processor can be configured as accepted reward voucher further stores coupon information, and the integration identifier of this coupon information and consumer is stored explicitly.Token processor also can be configured to the coupon redemption confirmation storing and receive, and issues suitable integration to the accounts of finance associated with the consumer exchanging reward voucher, and the product distribution business that suitable integration is involved by reward voucher or manufacturer determine.Coupon information can comprise the reward voucher treating to have exchanged to the reward voucher of consumer's distribution, the accepted reward voucher of consumer or consumer.

Embodiments of the invention propose, and token processor is configured to generate one-time payment voucher and this evidence for payment is encapsulated into the server computer in disposable token.In addition, token processor can be configured to and integration identifier and possible coupon information is included in disposable token.Token processor operates by token-vendor, publisher or service provider.

Embodiments of the invention propose, and coupon information comprises: product identifiers, and it is used for comparing to check the reward voucher through exchanging with the product bought by businessman; Unique coupon identification symbol, it makes it possible to monitor to the reward voucher life cycle of exchanging in businessman from being distributed to be esthetically acceptable to the consumers reward voucher again.

Embodiments of the invention propose, and disposable token packet is containing one-time payment voucher and consumer's integration identifier; Or, comprise one-time payment authority, coupon information and consumer's integration identifier.Embodiments of the invention also propose, and provide integration identifier, and optionally provide reward voucher to consumer by single service provider.Conversely, reward voucher can be provided to service provider by the retail trader of product or manufacturer.

Fig. 6 show according to the embodiment of the present invention for being provided in transaction time the schematic diagram of the system (600) of evidence for payment that uses.System (600) comprises token processor (610), multiple communication facilities (622,624,626 and 628) and multiple payment accepting device (642,652).Such as at token processor (610) and communication facilities (622,624,626 and 628) between, payment accepting device (642,652) data communication and between token processor (610) provides by communication network (670), and this data network can comprise wired data communication network and wireless data communication network.

Token processor (610) can be any suitable server computer or distributed server computer, and operates by financial services provider (668), or can independently operate.Token processor (610) can comprise database (612), wherein stores the multiple integration identifiers (633,635,637) relevant with consumer identifier.

Token processor (610) can be configured to the request received from any mobile communication equipment (622,624,626 and 628) there for one-time payment voucher or one-time payment token.Each request can comprise the consumer identifier of the consumer (such as, 621) be associated with that communication facilities of transfer request (such as, 622).Consumer identifier can be such as the mailing address of the communication facilities of consumer, such as mobile subscriber ISDN (Integrated Service Digital Network) (MSISDN) number, international mobile station equipment identities (IMEI) number, International Mobile Subscriber identity (IMSI) etc.

Then, token processor (610) can be configured to obtain or generate for the one-time payment voucher of consumer (621).Such as, token processor can generate the one-time payment voucher (621) of the finance account that can act on consumer, or token processor (610) can obtain one-time payment voucher from distribution financial services provider (such as 662, the 664 or 668) there of consumer (621).

Although, in certain embodiments, token processor (610) is configured to only send one-time payment voucher to request communication facilities, but in other embodiments, token processor (610) is also configured to the integration identifier of consumer (621) unique association obtaining or generate and correspond to that communication facilities (622) therefrom sending request.In some embodiments of the invention, integration identifier (such as, 631) can be stored in the number storage of consumer communication device, and is therefore included in the request.Token processor (610) is therefore configured to obtain integration identifier from request.In other embodiments, such as, for the situation of another consumer (623), integration identifier (such as, 633) can be stored in the database (612) of token processor (610).Then, token processor (610) may be configured to the consumer identifier obtaining and comprise in the request, and use this consumer identifier to carry out Query Database (612) and obtain the integration identifier (633) be associated with consumer identifier, obtain integration identifier (633) thus.

Token processor (610) also can be configured to, and one-time payment voucher and integration identifier (631 or 633) are sent to communication facilities (622 or 624) as the combined disposable payment token can shown with communication facilities.

It is one or more that combined disposable payment token is selected from group every as follows: response (QR) code fast; Audio stream or approximate audio communication audio stream; Optical character identification code; Near-field communication data stream; Or visible light communication data stream.

In another embodiment of the invention, such as at integration identifier (such as, 631) when being stored in the number storage of communication facilities (622), token processor (610) only sends one-time payment voucher to communication facilities (622), for being combined into one-time payment token with integration identifier (631) wherein.

According to embodiments of the invention, integration identifier (such as, 633) be unique number (it can be binary number, decimal number, sexadecimal number etc.), and its for proposed by consumer (623) for one-time payment token all requests for be all identical so that this integration identifier can by businessman (640 or 650) for upgrading the record of consumer.In some embodiments of the invention, different businessmans (640,650) can provide this businessman oneself specific integration identifier to consumer, to make consumer (as: 626), finally there is the various integration identifier for each businessman.Like this, some embodiments of the present invention propose, for consumer (623) for for the one-time payment voucher that can use at specific merchant or all requests that propose of one-time payment token, integration identifier is all identical, thus integration identifier can be used for the record upgrading this consumer for specific merchant.Therefore, businessman can " recognize " previously and this businessman carried out the consumer that concludes the business.In some embodiments of the invention, service processor (680) can be responsible for the consumer's distribution integral identifier to being such as in registration phase.

In some embodiments of the invention, token processor (610) can be configured to and obtains the coupon information corresponding with one or more reward voucher.Coupon information from businessman (640,650), from service processor (680), or can obtain from communication facilities (622,624,626,628).Therefore, token processor (610) can be configured to and coupon information is included in combined disposable payment token.

Communication facilities (622,624,626 and 628) can be any suitable equipment with communication function.This communication facilities can be mobile communication equipment, such as smart phone, functional phone, mobile phone, panel computer, personal digital assistant (PDA) etc.Each communication facilities (622,624,626 and 628) can by respective consumer (621,623,625 and 627) operate, and can be configured to and send the request for one-time payment voucher or one-time payment token to token processor (610).In some embodiments of the invention, request can comprise consumer identifier, or comprises the integration identifier of the consumer be stored in the number storage of communication facilities.

Each communication facilities (622,624,626 and 628) can be configured to and receives one-time payment voucher and integration identifier as the combined disposable payment token that can use communication facilities to show.

In some embodiments of the invention, each communication facilities (622,624,626 and 628) can be configured to from token processor (610) reception combined disposable payment token, and in other embodiments, communication facilities (such as, 622) only can receive one-time payment voucher from token processor, and be configured to obtain the integration identifier (631) that is associated with corresponding consumer (622) uniquely and in this locality, one-time payment voucher and integration identifier (631) be combined into one-time payment token.

Each communication facilities (622,624,626 and 628) can be configured to be shown by one-time payment token to payment accepting device (642,652) further.

Payment accepting device (it also can be described as payment acceptor) (642,652) can be safeguarded by each businessman (640,650).In certain embodiments, single businessman can have multiple payment accepting device.Payment accepting device (642,652) can be any suitable equipment, comprises optics input, audio frequency input, electromagnetism input etc.Exemplary payment accepting device (642,652) comprises smart phone, through the suitable point of sale device, panel computer etc. that configure.Each payment accepting device (642,652) can be configured to the one-time payment token receiving and show via communication facilities (622,624,626,628).

Reception one-time payment token such as can comprise use camera and receive one-time payment token to be optically.In other embodiments, disposable payment token can use loudspeaker, electromagnetic transducer (such as near-field communication (NFC) or radio-frequency (RF) identification (RFID) antenna etc.) receives.

Each payment accepting device (642,652) also can be configured to and extract integration identifier from this one-time payment token, and upgrades the record of the consumer be associated with this integration identifier.

Embodiments of the invention propose, and payment accepting device (642,652) is further configured to by one-time payment token passing to payment processes server, to carry out transaction processing.In certain embodiments, payment accepting device (642,652) can be configured to extracts one-time payment voucher from disposable token, and one-time payment voucher is sent to payment processes server to carry out transaction processing.Payment processes server can be operated by financial services provider (662,664,668) (it can be used as publisher or acquirer as required), or is operated by payment processing network (660).

Payment accepting device (642,652) can be configured to the multiple records (641,643,645,651,653) in the database (644,654) safeguarding respective businessman (640,650).Each record (such as, 641) by consumer (621) integration identifier (such as, 631) be associated with the database (644) of businessman (640), and the record of the transaction that can be the consumer (621) that is associated with this integration identifier (631) carry out in this businessman (640).Such as, record (641) can comprise the details of the product bought from businessman (640) by consumer (621), such as stock keeping unit (SKU) etc.

Therefore, it is each when consumer (621) returns to (640) place of businessman and uses one-time payment token as the modes of payments, this consumer (621) can both recognize in businessman (640), and can upgrade consumer's record to reflect his or her up-to-date buying situation.Thus, make businessman (640,650) that the purchase history of consumer can be preserved, and can understand this history for objects such as the such as marketings.In addition, businessman (640,650) only needs from one-time payment token, to extract integration identifier (631,633,635,637).Businessman (640,650) does not require to be integrated with integrating system or central integral processor, therefore only requires that businessman's part possesses minimum cooperative ability.Businessman uses integration identifier (631,633,635,637) in himself system, appreciable as them.

Fig. 7 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the token processor (710) of evidence for payment that uses.

Token processor (710) comprises request receiving parts (712), and it is for receiving request for one-time payment voucher or one-time payment token to obtain or to generate one-time payment voucher from communication facilities and evidence for payment parts (714) there.Token processor (710) also comprises: integrating block (716), it is for obtaining or generate the integration identifier be associated with corresponding consumer uniquely, and transmission part (718), it is for sending one-time payment voucher and integration identifier to communication facilities as the combined disposable payment token can shown with communication facilities.

In some embodiments of the invention, integrating block (716) can be configured to the integration identifier obtaining and comprise in the request.In other embodiments, integrating block (716) may be configured to and obtains the consumer identifier that comprises in the request and use this consumer identifier to carry out Query Database to obtain integration identifier, and obtains the integration identifier be associated with this consumer identifier.

Fig. 8 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the communication facilities (820) of evidence for payment that uses.

Communication facilities (820) can comprise: request transmission part (822), it is for being sent to token processor by the request for one-time payment voucher or one-time payment token, and receiving-member (824), it is for receiving one-time payment voucher and integration identifier as the combined disposable payment token can shown with communication facilities.Communication facilities (820) can also comprise and show parts (826) for being shown by one-time payment token to the token of payment accepting device.

Embodiment proposes, and request transmission part (822) is configured to integration identifier to comprise in the request, and in other embodiments, request transmission part (822) is configured to consumer identifier to comprise in the request.That the situation that integration identifier and consumer identifier all comprise in request to be also fine.

Fig. 9 show according to the embodiment of the present invention for being provided in transaction time the block diagram of each parts of the payment accepting device (942) of evidence for payment that uses.

Payment accepting device (942) comprises the receiving-member (944) for receiving the disposable token shown by communication facilities, and for extracting the identifier extracting part (946) of integration identifier from disposable token.Payment accepting device (942) can also comprise the renewal parts (948) for upgrading the record be associated with integration identifier.

Payment accepting device (942) also comprise token transmission part (950), its for by disposable token passing to payment processes server to carry out transaction processing.In certain embodiments, payment accepting device (942) can comprise evidence for payment extracting parts (952), and it for extracting one-time payment voucher and this one-time payment voucher being sent to payment processes server to carry out transaction processing from disposable token.

Figure 10 show according to the embodiment of the present invention for being provided in transaction time the exemplary use of the system of evidence for payment that uses in the swimming lane formula process flow diagram of prediction scheme.Each swimming lane branch limits the step performed by each entity or equipment.In this way, the method performed at communication facilities (1020), token processor (1010) end and payment accepting device (1042) end is shown.

In first step (1050), wish that the consumer buying product from businessman can use his or her communication facilities (1020) that the request for one-time payment voucher is sent to token processor (1010).In the illustrated embodiment of the invention, the request for one-time payment voucher comprises consumer identifier, and in other embodiments of the invention, the request for one-time payment voucher can be included in comprising integration identifier in this request.For all requests proposed for one-time payment voucher or one-time payment token for consumer (623), integration identifier is all identical, thus integration identifier can be used for businessman upgrades consumer's record.In other embodiments, for all requests that consumer is proposed for the one-time payment voucher or one-time payment token that can be used on specific merchant, integration identifier is all identical, thus integration identifier can be used for this specific merchant renewal consumer record.Such as, evidence for payment can be asked to be used for specific businessman, the French fries discount store of Bob, as its response, the integration identifier that can be used for this specific merchant is included in one-time payment token together with one-time payment voucher.

In next step (1052), token processor (1010) receives the request for one-time payment voucher from communication facilities (1020).In following step (1054), token processor (1010) can obtain one-time payment voucher from the distribution financial institution be associated with consumer, or can generate the one-time payment voucher of the accounts of finance that can be used for consumer specially.Then, in next step (1056), token processor can obtain or generate the integration identifier be associated with corresponding consumer uniquely.

In some embodiments of the invention, obtain or generate the way of integration identifier be associated with consumer uniquely and can comprise: obtaining the integration identifier comprised in the request.In addition, as the person that is First Consumption, can be that consumer generates and distribution integral identifier based on such request.But, in the embodiment shown, the step (1056) obtaining or generate the integration identifier be associated with consumer uniquely comprising: the step (1058) obtaining the consumer identifier comprised in the request, and uses consumer identifier to carry out the subsequent step (1060) that Query Database also obtains the integration identifier be associated with consumer identifier.

In following step (1062), one-time payment voucher and integration identifier are sent to communication facilities (1020) as the combined disposable payment token can shown with communication facilities (1020) by token processor (1010).The step (1062) that described token is sent to communication facilities (1020) can comprise: what become by one-time payment voucher in the group be made up of following item with integration identifier code is one or more: rapid reaction (QR) code; Audio stream or close to sound type communication audio stream; Optical character identification code; Near-field communication data stream; Or visible light communication data stream.

In some embodiments of the invention, token processor (1010) can obtain the coupon information corresponding to one or more reward voucher, and can using this coupon information and the one-time payment voucher being sent to communication facilities (1020) together with integration identifier as combined disposable payment token.

In following step (1064), communication facilities (1020) receives one-time payment voucher, and this comprises in the illustrated embodiment: receive one-time payment voucher as combined disposable payment token and integration identifier from token processor (1010).

In next step (1066), one-time payment voucher and integration identifier are shown to payment accepting device (1042) as combined disposable payment token.

Then, in following step (1068), payment accepting device (1042) receives as the one-time payment voucher of disposable payment token and integration identifier.In next step (1070), payment accepting device (1042) extracts integration identifier from one-time payment token, and upgrades the record of the consumer be associated with this integration identifier in following step (1072).

This record can be the record of the transaction carried out in businessman by the consumer be associated with integration identifier, and comprises the details of the product that consumer buys from businessman.

In some embodiments of the invention, pay the bill accepting device (1042) can by one-time payment token passing to payment processes server to carry out transaction processing.In other embodiments, payment accepting device (1042) can extract one-time payment voucher from disposable token, and this one-time payment voucher is sent to payment processes server to carry out transaction processing.

The swimming lane formula process flow diagram of prediction scheme in the exemplary use of the system of the evidence for payment that Figure 11 uses when showing according to another embodiment of the present invention for being provided in transaction.Each swimming lane branch limits the step performed by each entity or equipment.In this way, the method performed at communication facilities (1120), token processor (1110) end and payment accepting device (1142) end is shown.

In first step (1150), wish that the consumer buying product from businessman can use his or her communication facilities (1120) that the request for one-time payment voucher is sent to token processor (1110).In the illustrated embodiment of the invention, the request for one-time payment voucher comprises consumer identifier.

In next step (1152), token processor (1110) receives the request for one-time payment voucher from communication facilities (1120).In step (1154) subsequently, token processor (1010) obtains or generates one-time payment voucher.In the embodiment shown in fig. 11, integration identifier is not sent to token processor (1110) from communication facilities (1120), token processor (1110) does not also obtain or formation product divides identifier.

On the contrary, in next step (1156), token processor (1110) sends one-time payment voucher to communication facilities (1120).

In following step (1158), communication facilities (1120) receives one-time payment voucher, and in next step (1160), obtain from the number storage of communication facilities (1120) the integration identifier be associated with corresponding consumer uniquely.Then, in next step (1162), one-time payment voucher and integration group identifier are locally synthesized the combined disposable payment token can shown with communication facilities by communication facilities (1120).The way of combined type one-time payment token is locally become by one-time payment voucher to comprise with integration identifier combination: what become by one-time payment voucher by every group formed as follows with integration identifier code is one or more: response (QR) code fast; Audio stream or close to sound type communication audio stream; Optical character identification code; Near-field communication data stream; Or visible light communication data stream.

In next step (1164), one-time payment voucher and integration identifier are shown to payment accepting device (1142) as combined disposable payment token.

Then, in step (1166) subsequently, payment accepting device (1142) receives as the one-time payment voucher of one-time payment token and integration identifier.In next step (1168), payment accepting device (1142) extracts integration identifier from one-time payment token, and upgrades the record of the consumer be associated with this integration identifier in step (1170) subsequently.

As mentioned above, in some embodiments of the invention, pay the bill accepting device (1142) can by one-time payment token passing to payment processes server to carry out transaction processing.In other embodiments, payment accepting device (1142) can extract one-time payment voucher from disposable token, and one-time payment voucher is sent to payment processes server to carry out transaction processing.

Therefore, the system and method for providing the evidence for payment that can be used in transaction is present embodiments described.System and method of the present invention proposes a kind of integration identifier, and it can be specified in " global " identifier of certain consumer or consumer, and can at place of any participation businessman for this consumer or consumer.Participate in businessman and need not be integrated with the different system safeguarded by other entities, but integration identifier can be used as they please.Therefore, businessman only needs to extract integration identifier from from one-time payment token, repeatedly " to recognize " consumer come to visit in this businessman.Can be similar to and use static evidence for payment to recognize that the mode of consumer is to use integration identifier.Therefore, the appearance of one-time payment voucher need not have influence on the ability of businessman identification consumer.

Figure 12 shows the example of the computing equipment (1200) that can realize various aspects of the present invention.Computing equipment (1200) is suitable for storing and moving calculation machine program code.Each participant in said system schematic diagram and key element can use subsystem or the parts of the computing equipment (1200) of any right quantity, to promote function described herein.

Computing equipment (1200) can comprise the subsystem or parts that interconnect via the communications infrastructure (1205) (such as, communication bus, crossbar equipment or network).Computing equipment (1200) can comprise at least one central processing unit (1210) and, and with at least one memory member of computer-readable medium form.

Memory member can comprise system storage (1215), and it can comprise ROM (read-only memory) (ROM) and random access storage device (RAM).Basis input/output (BIOS) can be stored in ROM.System software can be stored in system storage (1215), and this includes operating system software.

Memory member can also comprise supplementary storage (1220).Supplementary storage (1220) can comprise the hard disk (1221) of such as hard disk drive, and the optional one or more removable memory interface (1222) for detachable memory parts (1223).

Removable memory interface (1222) can be for corresponding detachable memory parts (such as, tape, CD, floppy disk etc.) detachable memory driver (such as, tape drive, CD drive, floppy disk etc.) form, wherein detachable memory parts can be undertaken writing and reading by detachable memory driver.

Removable memory interface (1222) also can be the form of port for interconnected with other forms of its parts of detachable storage (1223) (such as, flash drive, external fixed disk drive or detachable memory chip etc.) or slot.

Computing equipment (1200) can comprise the external communication interface (1230) for operating computing equipment (1200) under the networked environment that can realize the transmission of the data between multiple computing equipment (1200).The data transmitted via external communication interface (1230) can be the forms of signal, and it can be the signal of electronic signal, electromagnetic signal, light signal, radio signal or other types.

External communication interface (1230) can realize the data communication between computing equipment (1200) and other computing equipments (comprising server and exterior storage facility).Web service can be visited by communication interface (1230) by computing equipment (1200).

External communication interface (1230) also can realize the other forms of communication being to and from computing equipment (1200), and this comprises voice communication, near-field communication, bluetooth etc.

The storage to computer executable instructions, data structure, program module and other data can be provided with the computer-readable medium of various memory member form.Computer program provides by computer-readable medium, and wherein this computer-readable medium has the computer readable program code through storing that can be run by central processing unit (1210).

Computer program can be provided by non-transitory computer-readable medium, or can be provided by signal or other instantaneous mechanisms by communication interface (1230).

Interconnection via the communications infrastructure (1205) allows central processing unit (1210) carry out communicating with each subsystem or parts and control to come from the operation of the instruction of memory member, and allows the message exchange between subsystem or parts.

Peripherals (such as printer, scanner, camera etc.) and I/O (I/O) equipment (such as mouse, touch pad, keyboard, microphone, operating rod etc.) can directly or by I/O controller (1235) be couple on computing equipment (1200).These parts are connected on computing equipment (1200) by mechanism's (such as, serial port) of any number known in the art.

One or more monitor (1245) can be couple on computing equipment (1200) via display or video adapter (1240).

Figure 13 shows the block diagram of the communication facilities (1300) that can use in embodiments of the present invention.Communication facilities (1300) can be cell phone, functional mobile phone, smart phone, satellite phone, or has the computing equipment of telephony feature.

Communication facilities (1300) can comprise for the treatment of communication facilities (1300) each function processor (1305) (such as, microprocessor), and allow user to see the display (1320) of telephone number and other information and message.Communication facilities (1300) can also comprise and allows user information to be input to input element (1325) in this communication facilities (such as, load button, touch-screen etc.), allow user to listen to the loudspeaker (1330) of voice communication, music etc., and allow user to transmit the microphone (1335) of his or her voice by communication facilities (1300).

The processor of communication facilities (1300) (1310) can be connected on storer (1315).Storer (1315) can for storing the form of the computer-readable medium of data and (optional) computer executable instructions.

Communication facilities (1300) also can comprise the communication device (1340) for connecting communication channel (such as, cellular telephone network, data transmission network, Wi-Fi network, satellite phone network, Internet, satellite internet network etc.).Communication device (1340) can comprise the radio transmission elements be associated, such as antenna.

Communication device (1340) can comprise the subscriber identity module (SIM) of integrated circuit form, and it is for storing International Mobile Subscriber identity and using communication facilities (1300) to identify and verify the association key of subscriber.One or more subscriber identity module can be removed from communication facilities (1300), or be embedded in communication facilities (1300).

Communication facilities (1300) also can comprise contactless element (1350), and it is embodied as the form of the semi-conductor chip (or other data storage elements) with the radio transmission elements (such as antenna) be associated usually.Contactless element (1350) can be associated (such as with communication facilities (1300), embed inner), and the data transmitted via cellular network or steering order can be applied on contactless element (1350) by contactless element interface (not shown).Contactless element interface can play and allow in mobile device circuit (and corresponding cellular network) and the swapping data of contactless element (1350) and/or the effect of steering order.

Contactless element (1350) can use near-field communication (NFC) function (or near field communication medium) usually meeting standardization agreement or data transmission mechanism (such as ISO14443/NFC) transmit and receive data.Near field communication (NFC) function is short range communications capability, such as radio-frequency (RF) identification (RFID), bluetooth, infrared, or other are used in the transmittability of the swapping data of communication facilities (1300) and interrogation device.Therefore, communication facilities (1300) can carry out communicating and transmission of data and/or steering order by cellular network and near field communications capability.

The data be stored in storer (1315) can comprise: the service data relevant with the operation of data communications equipment (1300), personal data are (such as, name, the date of birth, identification number, etc.), finance data (such as, bank account information, bank identification number (BIN), credit or debit card number information, account balance information, due date, credit providers account number etc.), transport information (such as, subway ticket or train ticket), visit information (such as, as access badge) etc.These data can transmit from communication facilities (1300) by user, are selected receivers.

Among other things, communication facilities (1300) can be: can the announcement apparatus of receiving alarm message and mission report, can be used in the portable merchant device of the control data transmitting identifiable design stand-by discount, and the portable consumer device that pays can be carried out.

The above-mentioned explanation of the embodiment of the present invention provides for illustration purposes; Itself and the exhaustive the present invention of not intended to be maybe will limit the invention in disclosed concrete form.Various equivalent modifications is appreciated that can carry out multiple amendment and modification according to above-mentioned disclosure.

Some part of this instructions represents according to the symbol of algorithm and information operating and is described the embodiment of the present invention.These arthmetic statements and expression are that the technician in data processing field is usual, effectively their work is conveyed to others skilled in the art.Although be described these operations with functional, computational or logicality mode, it should be understood to be realized by computer program or equivalent electrical circuit, microcode etc.The operation described can be embodied in software, firmware, hardware or its combination in any.

Software part described in the application or function can be implemented as such as adopt tradition or Object-oriented Technique, use any suitable computerese (such as, Java, C++ or Perl), treat the software code that run by one or more processor.Software code can be stored as non-transitory computer-readable medium (such as, random access storage device (RAM), ROM (read-only memory) (ROM), magnetic medium are (such as, hard disk drive or floppy disk), or light medium (such as, CD-ROM)) on a series of instruction or order.Any such computer-readable medium also on a single computing device resident or single computing equipment, and can be able to reside on the different computing equipments in system or network or in computing equipment.

Any step as herein described, operation, process can realize with independent mode or the mode that combines with other equipment by one or more hardware or software module.In one embodiment, software module is embodied as the computer program comprising non-transitory computer-readable medium, wherein this non-transitory computer-readable medium comprise can be run by computer processor, for realizing the computer program code of above-mentioned any or all of step, operation or process.

Finally, the language used in the description is mainly selected for readable and guiding object, and possibility is also non-selection for sketching the contours or delimiting present subject matter.Therefore, intention is, scope of the present invention not limited by this detailed description, but by limit based on the claim being applied as starting point herein.Therefore, the disclosing of the embodiment of the present invention is intended to illustrative, but not limits the scope of the invention set forth by claims.

Claims

1., for providing a method for the evidence for payment that can use in transaction, described method performs at token processor end, and comprises the following steps:

Obtain or generate one-time payment voucher;

2. method according to claim 1, wherein, for all requests proposed for one-time payment voucher by consumer, described integration identifier is identical, so that described integration identifier can be used for the record being upgraded described consumer by businessman.

3. method according to claim 1, wherein, for by consumer for for one-time payment voucher all requests that propose that can use at specific merchant, described integration identifier is all identical, so that described integration identifier can be used for the record being upgraded described consumer by described specific merchant.

4. according to method in any one of the preceding claims wherein, wherein, described record is the record of the transaction that consumer carries out at place of businessman, and wherein said record comprises the details of the product that consumer buys from businessman.

5. according to method in any one of the preceding claims wherein, wherein, above-mentioned acquisition or generate the step of integration identifier be associated with consumer uniquely and comprise: obtain the integration identifier be included in described request.

6. method according to any one of claim 1 to 4, wherein, the step of the integration identifier that above-mentioned acquisition or generation are associated with consumer uniquely comprises the following steps:

Obtain the consumer identifier be included in described request; And

Use described consumer identifier to carry out Query Database, and obtain the integration identifier be associated with described consumer identifier.

7. according to method in any one of the preceding claims wherein, wherein, one-time payment voucher and integration identifier are paid mark as combined disposable and the step that is sent to communication facilities comprises the following steps: what is become by described one-time payment voucher by every group formed as follows with described integration identifier code is one or more: respond QR code fast; Audio stream or close to sound type communication audio stream; Optical character identification code; Near-field communication data stream; Or visible light communication data stream.

8. according to method in any one of the preceding claims wherein, wherein, said method comprising the steps of:

Obtain the coupon information corresponding to one or more reward voucher; And wherein, above-mentioned step one-time payment voucher and integration identifier being sent to communication facilities as combined disposable payment token comprises: send described one-time payment voucher, described integration identifier and coupon information to described communication facilities as combined disposable payment token.

9., for providing a method for the evidence for payment that can use in transaction, described method performs the communication facilities end consumer, and comprises the following steps:

Transmit the request for one-time payment voucher;

Receive one-time payment voucher;

Wherein, receive described one-time payment voucher, and combine described one-time payment voucher and integration identifier in this locality, to form one-time payment token;

10. method according to claim 9, wherein, the step transmitted for the request of one-time payment voucher comprises: be included in described request by integration identifier.

11. methods according to claim 9, wherein, the step transmitted for the request of one-time payment voucher comprises: consumer identifier be included in described request.

12. methods according to any one of claim 9 to 11, wherein, comprise the step that one-time payment voucher and integration identifier receive as combined disposable payment token: receive described combined disposable payment token from token processor.

13. methods according to any one of claim 9 to 11, wherein, comprise in the way of this locality combination combination one-time payment voucher and integration identifier:

One-time payment voucher is received from token processor;

Obtain the integration identifier be associated with described consumer uniquely; And

Described one-time payment voucher is become combined type one-time payment token with described integration identifier combination.

14. methods according to claim 13, wherein, the step of the integration identifier that above-mentioned acquisition is associated with consumer uniquely comprises: obtain described integration identifier from the number storage of described communication facilities.

15. 1 kinds for providing the method for the evidence for payment that can use in transaction, described method performs to go out at the payment accepting device of businessman, and comprises the following steps:

16. methods according to claim 15, wherein, described method to comprise described one-time payment token passing to payment processes server to carry out the step of transaction processing.

17. methods according to claim 15, wherein, described method comprises to be extracted one-time payment voucher and sends described one-time payment voucher to payment processes server to carry out the step of transaction processing from described disposable payment token.

18. according to claim 15 to the method according to any one of 17, wherein, described record is the record of the transaction that the consumer be associated with described integration identifier carries out at place of businessman, and wherein said record comprises the details of the product that described consumer buys from businessman.

19. 1 kinds for providing the system of the evidence for payment that can use in transaction, described system comprises token processor, and described token processor comprises:

20. systems according to claim 19, wherein, described integration identifier is unique number, this uniquely number be all identical for all requests proposed for one-time payment voucher by consumer so that described integration identifier can be used for by businessman to upgrade the record of described consumer.

21. systems according to claim 19, wherein, described integration identifier is unique number, this uniquely counts for consumer is all identical for all requests that can propose at the one-time payment voucher of specific merchant use, so that described integration identifier can be used for by described specific merchant to upgrade the record of described consumer.

22. according to claim 19 to the system according to any one of 21, and wherein, described system comprises multiple communication facilities, and each communication facilities has:

Request transmission part, it is for transmitting the request for one-time payment voucher;

Receiving-member, it is for receiving described one-time payment voucher and described integration identifier as the combined disposable payment token that can use described communication facilities to show; And

Token shows parts, and it is for showing described one-time payment token to payment accepting device.

23. systems according to claim 22, wherein, described request transmission part is configured to integration identifier to be included in described request.

24. systems according to claim 22, wherein, described request transmission part is configured to consumer identifier to be included in described request.

25. systems according to claim 23, wherein, described integrating block is configured to obtain the integration identifier be included in described request.

26. systems according to claim 24, wherein, described integrating block is configured to pass and obtains the consumer identifier that is included in described request and use described consumer identifier to carry out Query Database to obtain integration identifier, and obtains the integration identifier be associated with described consumer identifier.

27. according to claim 19 to the system according to any one of 26, and wherein, described system comprises multiple payment accepting devices of businessman, and each accepting device has:

Receiving-member, it uses payment token for receiving the single shown by communication facilities;

Identifier extracting part, it for extracting integration identifier from described one-time payment token; And

Upgrade parts, it is for upgrading the record be associated with described integration identifier.

28. systems according to claim 27, wherein, each payment accepting device also comprises transmission part, its for by described one-time payment token passing to payment processes server to carry out transaction processing.

29. systems according to claim 27, wherein, each payment accepting device comprises evidence for payment extracting parts, it for extracting one-time payment voucher from described disposable payment token, and for sending described one-time payment voucher to payment processes server to carry out transaction processing.

30. 1 kinds for providing the computer program of the evidence for payment that can use in transaction, described computer program comprises computer-readable medium, described computer-readable medium have stored, for performing the computer readable program code of following steps:

Obtain or generate one-time payment voucher;